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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Employer contribution per participant is in the bottom quintile of the peer cohort.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $48,043 | $81,446-41.0% | $103,374-53.5% | $80,874-40.6% |
| Participation rate | 35.5% | 66.9%-31.4pp | 74.5%-39.0pp | 67.6%-32.2pp |
| Annual return | 10.74% | 25.57%-14.8pp | 24.89%-14.1pp | 35.62%-24.9pp |
| Employer contribution / active EE | $344 | $3,107-88.9% | $3,869-91.1% | $2,756-87.5% |
| Participant deferral / active EE | $1,759 | $3,870-54.5% | $5,058-65.2% | $4,297-59.1% |
| Admin fee / account holder | $498 | $6,715-92.6% | $8,394-94.1% | $6,935-92.8% |